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Terms and Conditions

1. Introduction

1.1 This website is operated on behalf of BNP Paribas Cardif Limited (trading as Warranty Direct) (together "we, us"). Our registered address is Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom

1.2 We maintain this website ("our website") for our customers ("you"). These Terms and Conditions govern your use of our website. We strongly advise you to read the Terms and Conditions as they form a contract between you and us in relation your use of our of our website.

1.3 If you do not agree with these Terms and Conditions please do not use our website. By accessing our website you are deemed to have accepted these Terms and Conditions in full.

1.4 Your attention is also drawn to the Contact page and our Privacy & Cookies Policy both of which contain important information that you are advised to read. [see links at the bottom of the page]

2. Our Obligation to You

We will:

2.1 exercise reasonable care in maintaining our website;

2.2 use reasonable efforts to make our website available to you at all times; and

2.3 take the steps set out in our Privacy Policy to endeavour to secure any personal data you give us.

2.4 Access to our website may be suspended temporarily or permanently without notice.

3. Disclaimers

3.1 Our website, its contents and references is provided “as is”, we do not represent or warrant that in relation to our website, or any part of it:

3.1.1 access will be uninterrupted, reliable or fault free;

3.1.2 any of its contents will be accurate, complete or reliable;

3.1.3 any services (whether or not provided by us) will be provided with due care and skill.

3.2 To the extent permitted by law we exclude all liability (whether arising in contract, tort or otherwise and whether or not due to our negligence) which we may otherwise have to you as a result of :

3.2.1 - any technical, factual, textual or typographical inaccuracies, errors or omissions on or relating to our website or any information on our website;

3.2.2 - the unavailability of our website (or any part of it);

3.2.3 - any delay in providing, or failure to provide or make available, services or any negligent provision of services;

3.2.4 - any damage or viruses which may affect your computer equipment or other property on account of your access to, use of or downloading from our website;

3.2.5 - any losses or damages arising out of changes made to the content of our website by unauthorised third parties; or

3.2.6 - any misrepresentation on or relating to our website or the services (other than a fraudulent misrepresentation made by us or on our behalf).

3.3 - None of the exclusions or limitations in this paragraph 3 shall exclude or restrict our liability for death or personal injury caused by our negligence.

3.4 - Each of the above exclusions or limitations set out in this paragraph 3 shall be construed as a separate and severable provision of these terms and conditions.

3.5 Nothing in these Terms and Conditions shall exclude, limit or restrict either our or Pinnacle Insurance Plc's duties to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.

3.6 In addition we have not reviewed all the websites which are linked to our website and we do not endorse or approve or accept any responsibility for the material contained on or in the contents of such linked websites. If you connect to a linked website you do so entirely at your own risk. We do not accept any responsibility for the content or privacy practices of any website to which a hypertext link from our website exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

3.7 The materials on our website do not constitute financial or other professional advice. Contact your Independent Financial Adviser or other professional adviser for financial or other advice.

4. Our Rights Reserved

4.1 We reserve the right to amend these Terms and Conditions for whatever reason, at any time and without notice. You will be bound by such revisions and you should therefore ensure that you regularly visit this page to review our current Terms and Conditions from time to time.

4.2 We reserve the right to periodically add, change, or improve any of the information and content on our website and in respect of our services for whatever reason, at any time and without notice.

4.3 We reserve the right to remove any content from our website for whatever reason, at any time and without notice and to deny you with access to all, or any part of our website.

4.4 We reserve the right in our sole discretion to deny users access to our website or any part of our website without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use.

5. Intellectual Property Rights and Licence

5.1 Unless otherwise stated all rights in the design, text, graphics, trademarks and other material on our website and the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) belong to us, or other third parties.

5.2 The trademarks, product names and company names or logos used on our website are our property or that of their respective owners. No permission is given by us in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

5.3 Use of documents and related graphics on our website is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use. No part of our website may be published, copied, transmitted, redistributed, adapted or otherwise reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission or that of the rightful owner.

5.4 No document or related graphics are to be modified in any way. Graphics on our website are not to be used separately from the accompanying text.

5.5 Any rights not expressly granted in these terms are reserved..

5.6 The BNP Paribas Cardif Limited copyright notice (i.e. © BNP Paribas Cardif Limited) must appear in all copies.

5.7 Any rights not expressly granted in these terms are reserved.

5.8 Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

6. Your Submissions to Our Website

6.1 We will use contact information from any enquiry to deliver information and other confirmations to you and to get in touch with you when necessary.

6.2 Apart from your personal information, which is addressed by our Privacy Policy, we will treat any communication or material you send to our website electronically, or otherwise, including financial information but limited to data, questions, comments, suggestions, or submissions ("your information"), as non-confidential and non-proprietary. By submitting your information to our website, you irrevocably agree never to assert any copyrights, moral rights, or other rights you may have in such material.

6.3 We may use your information for any purpose, including but not limited to reproduction, transmission, disclosure, publication, broadcast and posting.

6.4 We may also use any ideas, concepts, techniques, or know-how contained in your information for any reason, including but not limited to developing, manufacturing and marketing our website and our services.

7. Severance

The court may strike out or override any part of these Terms and Conditions, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these Terms and Conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms and Conditions.

8. Jurisdiction

Unless otherwise agreed these Terms and Conditions shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.

9. Events beyond our control

We shall not be liable to you for any breach of these terms and conditions of use or any failure to provide or delay in providing our services through our website resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock-outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.

10. Regulation

Pinnacle Insurance plc (Company Registration number 1007798) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Pinnacle Insurance plc appears on the Financial Services Register and our Financial Services Register Number is 110866. You can check this by visiting www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768. Pinnacle Insurance plc is also a member of the Association of British Insurers whose address is 51 Gresham Street, London EC2V 7HQ.

11. Online Dispute Resolution

We always try to resolve any complaint to put things right. However, if you have already contacted us and we have not resolved your complaint to your satisfaction, you may wish to use the European Commission's Online Dispute Resolution service. This is an online portal designed to help consumers who have bought goods or services online to conduct dispute resolution.

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